Retirement portfolio beyond FDs: Diversify for inflation, longevity risks
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar said spreading money across instruments helps balance safety and growth over a long retirement. He cautioned that leaning too heavily on FDs can eat into purchasing power, suggested limits on FD and annuity allocations, and stressed keeping cash for emergencies.
More of Abhishek's views on retirement
The article argues that retirees should diversify beyond fixed deposits to deal with inflation and a long retirement. It discusses limited exposure to equity and hybrid funds, and the pros and cons of FDs, annuities, SCSS and debt fund withdrawal plans for regular income, along with keeping a liquid buffer.
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Retirement portfolio beyond FDs: Diversify for inflation, longevity risks